CMS Price Transparency Data

X-ray, neck (cervical spine)

Facility: McLaren Northern Michigan

Billing Code: 72040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 72040
Insurance Median: $48
Cash Discount Price: $77
vs. Medicare Baseline: 0.54x Medicare

The contracted insurance negotiated median rate for a X-ray, neck (cervical spine) at McLaren Northern Michigan is $48. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $77. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 0.54x the Medicare baseline. Located in 416 Connable Ave, Petoskey, MI.

Cash / Self-Pay

$77

Average discount available for prompt cash payment at this facility.

Insurance Median

$48

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$88.91

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $88.91 (100%)

Cash / Self-Pay: $77 (87%)

Insurance Median: $48 (54%)

Cash: $77 (87% of Medicare)

Ins. Median: $48 (54% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $88.91 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Medicaid / KanCare	$7 - $50	8%
Humana	$10 - $86	11%
Medicare (plans)	$10 - $137	11%
U Of M Health Plan	$12	13%
Aetna	$13	15%
Mclaren Commercial Ins	$13	15%
UnitedHealthcare	$14 - $204	16%
Priority Health	$16 - $165	18%
Blue Cross Blue Shield	$17 - $119	19%
Tricare	$78	88%
Mi Amish Medical Board	$86	97%
Workers Compensation	$95	107%
Cofinity Auto	$163	183%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $77.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 72040.

Insurance In-Network Protection Plan

Contact your insurance company to confirm McLaren Northern Michigan is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 72040.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.